APY=Annual Percentage Yield. APY is accurate as of 01/02/2024. Rates may change after account is opened. Minimum to open account is $100 for Kasasa® Cash, $100 for Kasasa® Cash Back and $1 for Kasasa® Saver. Must consent to be enrolled and receive e-Statement notice to open account.

Disclosures:

Kasasa® Cash Account: when qualifications are met each monthly qualification cycle, (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 1.00%; and (3) balances over $15,000 earn 0.15% interest rate on the portion of the balance over $15,000 resulting in 1.00%-0.26% APY depending on the balance. The advertised Kasasa® Cash APY is based on compounding interest. If applicable, interest earned in Kasasa® Cash is automatically transferred to Kasasa® Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa® Cash APY. If qualifications are not met on Kasasa® Cash all balances earn 0.01% APY. Fees may reduce earnings on the account.

Kasasa® Cash Back Account: When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post and settle to the account during monthly qualification cycle up to a total cash back of $5.00 per monthly qualification cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle. Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account the last day of the monthly statement cycle, as applicable.

When Kasasa® Saver is added as a companion, Kasasa® Cash or Kasasa® Cash Back rewards will be credited to your Kasasa® Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa® Cash or Kasasa® Cash Back are met each monthly qualification cycle; (1) balances up to $10,000 in Kasasa® Saver receive an APY of 0.50% ; and (2) balances over $10,000 in Kasasa® Saver earn 0.15% interest rate on that portion of the balance, resulting in 0.50%-0.18% APY depending on the balance. If qualifications are not met on Kasasa® Cash or Kasasa® Cash Back, as applicable, all balances in the Kasasa® Saver earn 0.01% APY.

Qualifying Transactions for Kasasa® Cash and Cash Back include:

• Have at least 12 debit card purchases post and settle
• Be enrolled and receive eStatement notice
• Be enrolled and log into digital banking at least once

LIMIT ONE ACCOUNT per SSN. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM processed transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  We have the right to close any of your deposit accounts or terminate any service provided in connection with an account, at any time, without advance notice. Our decision to close an account or terminate a service will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination.

Disclosure of account terms: The following applies to all interest bearing accounts-We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the minimum balance in the account each day to obtain the disclosed annual percentage yield. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Sheet. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e. checks). Interest is compounded monthly and is credited to the account monthly. Interest on savings is compounded and credited quarterly. If the account is closed before interest is credited, you will not receive the accrued interest. Fees may reduce earnings.

Reg. GG Account Disclosure-(Unlawful Internet Gambling Enforcement Act Policy Disclosure) June 1, 2010-In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful internet gambling.